Pumpkin Pet Insurance Review

Pays the vet directly on eligible urgent care, so you are not out of pocket first. Independent Pumpkin Pet Insurance review: 0/5 for pet insurance.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Owners of older pets get a real option here, since Pumpkin has no upper age limit or breed exclusions and can pay the vet directly, though only on eligible urgent care. Premiums and deductibles aren't published, and its advertised rating comes from Google reviews, not a regulator. Get a written quote before you count on it.

Skip it if you want published prices to compare, or expect direct vet payment on routine claims.

About Pumpkin Pet Insurance

Pays the vet directly on eligible urgent care, so you are not out of pocket first. Pumpkin Pet Insurance is offered by Pumpkin Insurance Services Inc. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Owners of older pets, and anyone who cannot float a large vet bill.

Editorial grade: B- (composite score 72/100).

Highlights

Can pay before you pay on eligible urgent visits
No upper age limits and no breed exclusions
Covers advanced treatments and therapies

What we like

Direct payment removes the reimbursement wait, which is the real complaint in this category
Taking older pets at all sets it apart

Where it falls short

The rating it quotes is from Google reviews, not an insurance regulator
Direct payment applies to eligible urgent care only, not every claim
Premiums and deductibles are quoted individually and are not published

Fees, minimums, and rates

Monthly fee: Quoted per pet; not published. Minimum to open: None. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Pumpkin Insurance Services Inc.. It is built from Pumpkin Insurance Services Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Pet Insurance shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.